Charles Dickens’s Mr. Micwaber put it best: “Annual income twenty pounds, annual expenditure nineteen ninety-six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”

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Learn for yourself. Nobody cares as much about your money as you do. You have to take responsibility for your own future. As I said earlier, the great thing is, it’s not hard.

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Product sales are where the money is …..

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Our financial industry is geared toward product sales, not toward dispensing well-rounded financial planning advice.

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Good financial planning is nothing more than common sense. The old KISS philosophy at its best. Keep It Simple ….

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Everybody’s terrible at that [budgeting]. Very few people have become financially successful through budgeting, and the ones who aren’t much fun at parties.

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We couldn’t teach you what we didn’t know, and your grandparents couldn’t teach us what they didn’t know. I don’t think it’s our fault as family. I suspect most people have the same problem, and I blame it partly on our educational system.

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